Dhanlaxmi Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Operational Metrics
Banks
Net Interest Margin	3.33 %	6.9 %	3.77 %
Yield On Advances	9.76 %	16.4 %	n/a
Gross NPA	3.1 %	n/a	n/a
Net NPA	1.12 %	3.8 %	n/a
CASA Ratio	28.87 %	20.7 %	100.0 %
CASA vs Liabilities	25.58 %	14.95 %	41.31 %
Credit Deposit Ratio	76.24 %	90.11 %	0.01 %
Cost To Income Ratio	84.03 %	76.6 %	31.8 %
Fresh Slippages - Quarterly	28.41 Crs	185.94 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	17.81 %	23.4 %	77.2 %
Tier 2 Capital	2.77 %	1.0 %	4.45 %
Tier I Capital	15.04 %	22.4 %	70.05 %
NBFC
Cost of Borrowing	5.78 %	7.7 %	n/a
Financials
5 yr Average ROE	5.93 %	3.79 %	13.9 %
5yr average Equity Multiplier	14.92	6.16	5.12
5yr Average Asset Turnover Ratio	0.08	0.14	0.55
5yr Avg Net Profit Margin	3.98 %	3.14 %	4.59 %
5yr Avg Net Profit Margin	3.98 %	3.14 %	4.59 %
5yr CAGR Net Profit	12.37 %	57.5 %	35.22 %
5yr CAGR Sales	7.18 %	20.56 %	18.48 %
5 yr CAGR PPOP	2.07 %	19.72 %	34.63 %
Price to Book	0.75	0.73	2.97
P/E	12.6	22.33	29.16
Shareholdings
Promoter Holding	0.0	22.44 %	75.0 %
Share Pledged by Promoters	0.0	22.39 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.57 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-3.84 %	-3.71 %

Business

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Segment Break-Up	Segment Break-Up Consumer Finance 53.7 Corporate Banking 26.85 Treasury Operations 18.76 Retail Banks 0 Corporate & Wholesale Banking 0 Others 0.69	Segment Break-Up Retail Banks 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Corporate & Wholesale Banking 0 Others 100	Segment Break-Up Retail Banks 31.54 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Corporate & Wholesale Banking 0 Others 68.46
Loan Break-Up	Loan Break-Up Gold 32.36 Corporate 26.19 Retail 22.07 SME 13.95 Agricultural 5.42 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0 Others 0.01	Loan Break-Up Retail 0 Microfinance 61.2 Corporate 0 Retail Assets 27.5 Financial Intermediary Group 11.3 Agricultural 0 Gold 0 SME 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up South India 0 West India 0 India 0 East India 0 North India 0 Others 100	Location Wise Break-Up South India 0 West India 0 India 100.0 East India 0 North India 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 49.03 Retail Banking 42.93 Corporate/Wholesale Banking 0 Others 8.04	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 38.2 Others 61.8	Operating Profit Break-Up Corporate/Wholesale Banking 0 Retail Banking 0 Treasury 37.6 Others 62.4
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 100.0 Lower Tier II bonds 0 Upper Tier II bonds 0	-	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 51.49 Priority Sector 48.51	-	-
NPA Break-Up	NPA Break-Up Services 39.29 Priority Sector 36.22 Personal Loan 20.17 Agricultural 3.12 Industrial & Commercial 1.21 Personal loans 0	NPA Break-Up Priority Sector 0 Industrial & Commercial 0 Services 19.31 Agricultural 0 Personal loans 24.67 Personal Loan 0 Others 56.02	-

Dhanlaxmi Bank Ltd.

Dhanlaxmi Bank Ltd.

Financial

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